What is Midland States Bancorp's provision for credit losses?

Midland States Bancorp (MSBI) reported provision for credit losses of $5.4M in Q1 2026.

How has Midland States Bancorp's provision for credit losses changed year-over-year?

Midland States Bancorp's provision for credit losses decreased by 50.2% year-over-year, from $10.85M to $5.4M.

What is the long-term trend for Midland States Bancorp's provision for credit losses?

Over 3 years (2022 to 2025), Midland States Bancorp's provision for credit losses has grown at a -7.1% compound annual growth rate (CAGR), from $75.44M to $60.55M.

Midland States Bancorp MSBI Provision for Credit Losses

Provision for Credit Losses at other companies

Eastern Bankshares, Inc.EBC

$5.76M-12.8%

Old National BancorpONB

$34.95M+11.3%

JPMorgan ChaseJPM

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Mid Penn BancorpMPB

——

Northwest BancsharesNWBI

——

Bar Harbor BanksharesBHB

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Other financials

Income statement

See full

Revenue$79.5M+4.6%

Net income$18.5M+113%

EPS (diluted)$0.74+111%

Balance sheet

See full

Cash & equivalents$113.7M+11.4%

Total debt$162.4M+220%

Total equity$559.0M-2.2%

Total assets$6.5B-10.1%

Cash flow

See full

Operating cash flow$17.0M-31.3%

CapEx$619.0K-66.5%

Free cash flow$16.3M-28.5%

Valuation

See full

Market cap$632.47M+80.0%

Enterprise value$681.22M+127%

P/E18×—

P/S1.9×+0.9×

Profitability

See full

Net margin10.7%—

FCF margin37%-5.4pp

Returns & leverage

See full

Return on equity6.2%—

Debt / equity0.3×+0.2×

Where this comes from

Reported directly by Midland States Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

The official record: Midland States Bancorp’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Midland States Bancorp's provision for credit losses?: Midland States Bancorp (MSBI) reported provision for credit losses of $5.4M in Q1 2026.
How has Midland States Bancorp's provision for credit losses changed year-over-year?: Midland States Bancorp's provision for credit losses decreased by 50.2% year-over-year, from $10.85M to $5.4M.
What is the long-term trend for Midland States Bancorp's provision for credit losses?: Over 3 years (2022 to 2025), Midland States Bancorp's provision for credit losses has grown at a -7.1% compound annual growth rate (CAGR), from $75.44M to $60.55M.